Pioneer Bancorp Inc (PBFS) — Cash Flow Quality Index
Pioneer Bancorp Inc (PBFS) has a Cash Flow Quality Index of 0.90x as of September 2025. Operating cash flow of $3.90 Million is below net income of $4.33 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Pioneer Bancorp Inc cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Pioneer Bancorp Inc Cash Flow Quality Index (2017–2025)
Historical Cash Flow Quality Index for Pioneer Bancorp Inc across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does Pioneer Bancorp Inc generate cash.
Annual Cash Flow Quality Index for Pioneer Bancorp Inc (2017–2025)
Year-by-year earnings quality comparison for Pioneer Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.76x | $33.71 Million | $19.20 Million | ▲ +12.3% |
| 2024 | 1.56x | $23.85 Million | $15.26 Million | ▲ +30.6% |
| 2023 | 1.20x | $26.27 Million | $21.95 Million | ▼ -75.4% |
| 2022 | 4.86x | $49.97 Million | $10.28 Million | ▼ -84.0% |
| 2021 | 30.32x | $32.65 Million | $1.08 Million | ▲ +7682.5% |
| 2020 | 0.39x | $2.02 Million | $5.20 Million | ▼ -53.5% |
| 2019 | 0.84x | $6.13 Million | $7.31 Million | ▼ -58.1% |
| 2018 | 2.00x | $23.00 Million | $11.50 Million | ▼ -5.1% |
| 2017 | 2.11x | $11.87 Million | $5.63 Million | — |